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Free Credit Report Scams Increase As Credit Crisis Gets Worse

On Sunday, March 15, 2009, In Money Matters, By Linda
Author: Scott P. McKay

As the worlds economic crisis deepens more and more people are for the first time in their lives, having to deal with bad credit. And like a lot of average consumers, many of these people have never seen real copies of their credit report before. Once someone decides to try to increase their credit rating one of the first things they usually do is try to find out how to get copies of their credit reports.

This is where a lot of companies who are out to take advantage of the average consumer come into play. Just because you see advertisements all over the Internet, T.V., and radio about getting free copies of your credit reports doesn’t mean that there isn’t some sort of catch to it. Over 99% of the time when searching for a company that can offer you your 3 major credit bureau credit reports for free you will be asked to purchase some other kind of product or sign up for a credit monitoring service in order to receive your free credit reports.

But if you are being asked to pay for something else before you get to see your “free” credit reports than is it really free? That is the question that many people are asking themselves after signing up for a credit monitoring trial just to see their credit reports. Only to find themselves paying a monthly fee for a service they never really wanted just because they forgot to cancel their membership in time.

More and more companies are taking aim at the increasing number of consumers whose credit is negatively being affected by the ongoing credit crisis. Even going directly through the credit bureaus themselves to obtain your credit reports can end up being very costly. There are some websites out there where you can learn the tricks of the trade when it comes to getting your free credit reports without being suckered into signing up for any kind of services like www.FreeOnlineCreditGuide.com. Don’t allow yourself to be fooled by these companies any longer.

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Find How You Can Help In This Economic Recovery

On Monday, February 9, 2009, In Money Matters, By Ruth
After decades of making things worse our administration is about to start the long mission of healing the economy. But of course it’s not that simple. Every step along the way they will have to fight those who don’t really want economic recovery. All they want is to reset things to the period where they personally were raking in the dough. And it doesn’t matter if this was just the week before things went south.

Of course this will also reset the environment that made this collapse possible. And if possible they would do this for as long as they can to squeeze the last nickel into their pocket.

For them the challenge is to fool everyone else for their own enrichment. You might ask why would they do that? The simple answer is: Greed! With this in mind let’s move along. The first thing to do is review the big picture. Originaly Social Security was set up as a safety net for retirement.

But the lure of all that money just lying about was too much. So the embezzlement began. At first the robbers said the money would be replaced. That lie was never believed.

In fact Social Security is now considered an entitlement by the the same parties that stole from it. You might wonder what is the connection here? This is the core pattern!

The founding fathers of America structured a government that could function. That structure has been twisted and corrupted. The money that our government prints was at one point certificates of gold. The gold stored in Fort Knox! Greed came into play so more money was printed then there was gold. This has continued until your money is not worth the paper it is printed on! If you do the math it becomes clear. This is the biggest ponzi scam of ALL TIME! What we have seen in recent times is original IOU’s being stolen and replaced by worthless IOU’s. Now here we are caught in this web of lies. And as incredible as it may seem many are asking why were we are having trouble getting credit. The assets are real but those asking for the loans are insufficient. They are unable to repay loans with true value. So America borrows from other nations.

And some of them don’t like us much. Is it any wonder that it will take a former Harvard Law Professor to help get us out of this one! Oh don’t forget we have some wars going on too.

At the time of this writing I only count 2, but of course that is subject to change. Is the situation hopeless? That depends on how you look at it. President Obama tells us this is a opportunity to expand our horizons and repair our infrastructure. This reminds me of the experiment of two little brothers. So if Obama wants to look for a pony in all of this shit, maybe he can pull it off. So far things are looking up.

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Source: Finance

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National Financial Crisis May Grow The Number Of Non-Insured Drivers To Record Levels

On Sunday, February 8, 2009, In Money Matters, By Ruth

Approximately 17% of drivers across the United States may be driving without insurance by 2010, these figures were compiled from research done by the Insurance Research Council. Although the estimated amount of uninsured drivers went down nationally from 14.9% in 2003 to 13.8% in 2007, this recession is expected to elevate the amount of non-insured drivers.

A recently published study, “Uninsured Motorists, 2008 Edition,” configures the amount of non-insured motorist across the country and by state from 2005 to 2007. The Insurance Research Council calculates the population of non-insured drivers by examining the ratio between injury claims made by non-insured motorists and insured motorists.

The research show recently obtained stats by state for bodily injury liability claims and non-insured drivers claim frequency and the ratio between bodily injury claims and non-insured drivers.

The severity of the non-insured driver situation differed greatly from state to state. In 2007, the biggest five non-insured motorist estimates by state were New Mexico 29%, Mississippi 28%, Alabama 26%, Oklahoma 24%, and Florida 23%. The five states with the lowest estimates of non-insured motorists were Massachusetts 1%, Maine 4&, North Dakota 5%, New York 5%, and Vermont 6%.

The data also showed a large correlation unemployed and the percent of non-insured drivers. The research shows if the unemployment rate increased to 1% it will correlate to an increase in the non-insured driver rate to more than 3/4 of 1%. Based on the projected unemployment rate figures, the percentage of non-insured drivers is expected to increase from 13.8% in 2007 to 16.1% in 2010.

“An increase in the number of uninsured motorists is an unfortunate consequence of the economic downturn and illustrates how virtually everyone is affected by recent economic developments,” said the Senior Vice President of the Insurance Research Council Elizabeth A. Sprinkel. “Responsible drivers who purchase insurance end up paying for injuries caused by uninsured drivers.”

The Insurance Research Council research studied data obtained from nine insurance companies, representing approximately 50% of the private passenger vehicle insurance market nationally.

With all this happening it will be hard to get discount auto insurance because as non-insured motorist claims grow the premiums for current insureds will also go up. Your best chance to get inexpensive auto insurance is to try to get as many free insurance quotes as possible and compare rates between companies.

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Source: Insurance

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